Amazingly, a recent NerdWallet.com study showed that the majority of drivers have remained with the same auto insurance company for at least the last four years, and 38% of customers have never quoted auto insurance rates at all. With the average premium in the U.S. being $1,847, drivers could save $850 every year just by comparing rates, but they mistakenly think it’s difficult to do a rate comparison.
Truthfully, the best way to get budget auto insurance rates in Pittsburgh is to annually compare prices from insurance carriers that sell auto insurance in Pennsylvania.
First, take a little time to learn about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates like multiple speeding tickets and a not-so-good credit rating can be remedied by making lifestyle changes or driving safer. This article gives ideas to get better rates and find discounts that you may qualify for.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. View rates
Third, compare the new rate quotes to your existing rates to see if a cheaper price is available in Pittsburgh. If you find better rates and make a switch, make sure coverage does not lapse between policies.
Fourth, provide proper notification to your current company of your decision to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new company or agent. As soon as coverage is bound, put the certificate of insurance with your vehicle’s registration.
The most important part of shopping around is that you’ll want to compare similar deductibles and liability limits on every quote request and and to analyze as many different companies as possible. Doing this enables a fair rate comparison and the best price selection.
Pittsburgh car insurance discounts
Auto insurance companies don’t always list every available discount very well, so the following list contains both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Pittsburgh auto insurance online.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- No Claim Discounts – Good drivers with no accidents can save substantially compared to insureds who have frequent claims or accidents.
- Switch and Save Discount – Some insurance companies reward drivers for buying a policy prior to your current G35 insurance policy expiring. Ten percent is about the average savings.
- Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- New Vehicle Savings – Insuring a new G35 can save up to 30% due to better safety requirements for new vehicles.
- Active Service Discounts – Being deployed with a military unit could trigger a small discount.
- Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
It’s important to note that most credits do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride. But any discount will help lower your policy premiums.
Some of the larger companies that may offer quotes with most of the discounts above include:
If you want inexpensive Pittsburgh auto insurance quotes, ask each insurance company which credits you are entitled to. Discounts may not be available in Pittsburgh. To find insurance companies that offer multiple discounts in Pennsylvania, click here to view.
The easiest way to get rate comparisons for Infiniti G35 insurance in Pittsburgh is to realize auto insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is spend a couple of minutes providing details like the ages of drivers, whether you are single or married, your job, and whether the vehicles are used for commuting. That rating data is sent automatically to many highly-rated insurers and they return cost estimate instantly to find the best rate.
To compare affordable Infiniti G35 insurance rates now, click here then complete the form.
The providers in the list below are our best choices to provide price quotes in Pittsburgh, PA. To get the cheapest car insurance in Pittsburgh, PA, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Five Things That Affect Your Insurance Prices
Lots of things are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but some are less apparent such as your marital status or your financial responsibility. The best way to find cheaper car insurance is to take a look at the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that could result in lower car insurance prices.
- GPS tracking and theft deterrents reduce car insurance rates – Owning a car with a theft deterrent system can save you some money. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
- Age of drivers impacts prices – Older insureds are shown to be more cautious, tend to file fewer claims, and are safer drivers. Teenage drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
- Having a spouse can lower rates – Getting married can get you a discount on car insurance. Having a spouse may mean you are more responsible it has been statistically shown that drivers who are married are more cautious.
- Does insurance coverage cost more for males? – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
- Safer vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims and lower rates for you.
Situations that may require an agent’s advice
When it comes to coverage online or from an agent, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
- Is there coverage for injuries to my pets?
- What is no-fault insurance?
- How do I buy GAP insurance?
- Does my insurance cover my expensive audio equipment?
- What does roadside assistance cover?
- Do I need replacement cost coverage?
- Are my tools covered if they get stolen from my vehicle?
- Does my Infiniti G35 qualify for pleasure use?
- Can I rate high risk drivers on liability-only vehicles?
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.
Insurance agent or online?
Some people prefer to talk to a local agent and that is not a bad decision A good thing about comparing rate quotes online is that you can find cheaper premium rates but still work with a licensed agent. Buying from and supporting local insurance agencies is still important in Pittsburgh.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is emailed to participating agents in Pittsburgh who will give competitive quotes for your business. There is no need to leave your house due to the fact that quote results will go instantly to you. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to compare rates from a specific insurance company, don’t hesitate to jump over to their website and fill out the quote form the provide.
Choose the right car insurance agent
When looking for a reliable agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agents in Pittsburgh are either exclusive or independent (non-exclusive).
Independent Auto Insurance Agencies
Agents that choose to be independent are appointed with more than one company so as a result can place your coverage through many different auto insurance companies and find you cheaper rates. If your premiums go up, the business is moved internally which is easy for the insured. When shopping rates, we recommend you include price quotes from multiple independent agents in order to compare the most rates.
Featured below are independent insurance agents in Pittsburgh that may be able to give you free rate quotes.
Feeney Insurance Agency
1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850 – View Map
James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 – View Map
McElhinny Insurance Agency LLC
5624 Brownsville Rd – Pittsburgh, PA 15236 – (412) 650-5700 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are well schooled in insurance sales and that enables them to sell even at higher rates.
Listed below is a short list of exclusive agencies in Pittsburgh willing to provide rate quotes.
Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map
Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166 – View Map
Selecting an insurance agency should depend on more than just the premium amount. These are some valid questions you should ask.
- How experienced are they in personal risk management?
- What company holds the largest book of business for them?
- How much can you save by raising your physical damage deductibles?
- Is auto insurance their primary focus in Pittsburgh?
- How often do they review coverages?
- Are they in the agency full-time?
- Will your rates increase after a single accident?
- What are their preferred companies if they are an independent agency?
Auto insurance is an important decision
Despite the potentially high cost of Infiniti G35 insurance, insurance serves a purpose in several ways.
First, most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your G35 has a lienholder, most banks will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Infiniti for a lot more money and require you to reimburse them for the much more expensive policy.
Third, auto insurance preserves both your Infiniti and your personal assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. An average driver in America overpays more than $825 a year so smart consumers compare quotes each time the policy renews to ensure rates are inline.
Frequent quotes can save
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price, but do not skimp to save money.
Throughout this article, we presented a lot of tips how to compare Infiniti G35 insurance rates in Pittsburgh. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest Infiniti G35 rate quotes. Drivers may even discover the best price on auto insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
To learn more, feel free to browse these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Pittsburgh? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance Quotes for Business Use? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Nurses? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
- Who Has Cheap Car Insurance Rates for Handicapped Drivers in Pittsburgh? (FAQ)
- What Insurance is Cheapest for a Ford Focus in Pittsburgh? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Safety Features for Your New Car (State Farm)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Vehicle Safety Ratings (iihs.org)